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Karina Beatriz
Karina, age 19, lives in her mother-in-law's home with her little 5-year-old daughter. Karina works hard every day to provide her daughter with better living conditions. Karina's partner emigrated a few years ago to another country in search of better living conditions. Unfortunately, their income does not cover their living costs. Because of this, Karina has been able to establish a small business where she sells pupusas [a thick corn tortilla stuffed with cheese, fried pork rind, chicken, or refried beans] and drinks. Karina wants to improve the living conditions of herself and her family, so she is requesting this loan from FUSAI. She will invest in improving the floor and building bannisters. For this, she needs to buy materials like cement, sand, gravel, and bricks.
View original language description ↓
Karina de 19 años de edad habita en casa de la suegra junto a su pequeña hija de 5 años de edad. Karina lucha cada día para poder brindar a su hija mejores condiciones de vida. El compañero de vida de Karina emigro hace algunos años al extranjero en busca de mejores condiciones de vida. Lastimosamente los ingresos no les alcanzan a cubrir los gastos del hogar por lo que Karina ha logrado establecer un pequeño negocio en el cual vende pupusas y refrescos. Karina desea mejorar sus condiciones habitacionales y las de su familia por lo que solicita este crédito a FUSAI para invertir en la mejora del piso y construcción del pasamano para lo cual necesita comprar material como: cemento, arena, grava y ladrillo.

Additional Information

More information about this loan

This loan will be administered by FUSAI (Salvadoran Foundation for Comprehensive Development), a Salvadoran NGO that owns Kiva partner Apoyo Integral. FUSAI will disburse this loan in order to reach a population that doesn't currently work with Apoyo Integral. This type of loan covers basic services (like housing and water), and supports small business and agricultural activities. Borrowers come from low-income families in rural and peri-urban communities, and are considered to be too poor or lack the proper guarantees to get credit through traditional banks or microfinance institutions. Before receiving their loans, they are vetted by local community organizations and enrolled in classes in financial literacy, and the importance of sanitation, potable water and clean energy. Additionally, FUSAI enables borrowers to guarantee one another and take out loans smaller than El Salvador's average. Important to note is El Salvador is considered one of the most dangerous countries in the world, holding the 2nd place in the ranking of murders per capita. All these FUSAI borrowers live in areas considered by the police as highly violent and dangerous, mainly because of gangs influence. Main risks they face in these areas are thefts, extortions, kidnappings and murders.

About Apoyo Integral

Apoyo Integral (Apoyo) is a nonprofit organization offering financial products that enable clients to increase their working capital, purchase fixed assets, buy and remodel homes, expand agricultural business and more. The organization’s target group is businessmen and women who have already established their businesses but need financial support to strengthen or expand them.

Like Kiva, Apoyo is committed to empowering women involved in business activities in rural areas. Kiva lenders’ funds will be used to expand these services to an even greater number of poor clients in rural areas.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About El Salvador

  • $7,500
    Average annual income
  • 713
    View loans »
    El Salvador Loans Fundraising
  • $29,637,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Karina Beatriz to buy cement, sand, gravel and bricks to cement the floor and build bannisters in the home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 6, 2014
Feb 24, 2014
Currency Exchange Loss:
Mar 26, 2015